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Compare Amica vs. State Farm: Quotes, Discounts (2022)

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Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Lindsay Frankel
Written by
Lindsay Frankel
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Written by
Lindsay Frankel
Insurance Writer
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated August 5, 2022

Amica vs. State Farm: A Summary

If you’re comparing car insurance policies from different auto insurance providers, proper research is key to help you get the best rate. Two options you may be considering are Amica and State Farm, but which is best for you? To help you make your decision, read our report comparing these providers based on prices, discounts, and more.

Insurance CompanyAvg. Monthly Car Insurance QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Amica$13495
State Farm$5288
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Amica

Amica Mutual Insurance Company was founded in 1907 and provides a variety of insurance products, including homeowners insurance and life insurance, in every state except Hawaii. In addition to liability and full-coverage insurance, Amica offers several unique coverage options, including a premium coverage package.

Average premiums at Amica are more costly than the industry average, and while the company offers a variety of discounts, there isn’t a usage-based telematics program. However, Amica is one of the highest-rated midsize insurers for customer satisfaction by J.D. Power, and the company has an excellent financial strength rating from A.M Best.

In addition, Amica has higher-than-average positive customer service reviews on third-party websites relative to the insurance industry as a whole. The company also has a well-rated mobile app you can use to get roadside assistance.

Pros

  • Highly rated in multiple J.D. Power studies

  • Excellent financial strength rating from A.M. Best

  • Excellent customer service reviews

Cons

  • Doesn’t offer rideshare coverage

  • Doesn’t offer usage-based rewards or discounts

  • More expensive premiums than the industry average

State Farm

State Farm is the largest auto insurer in the nation by market share and offers some of the cheapest insurance rates in the industry. The company is top-rated in J.D. Power’s 2022 U.S. Insurance Shopping Study, alongside Liberty Mutual, and rated above average for insurance claims satisfaction. State Farm also has superior financial stability ratings.

In addition to auto insurance, State Farm offers several other insurance products, including renters insurance and business insurance. You can get standard coverage from State Farm in addition to several add-ons, such as rental car reimbursement and a rideshare endorsement.

State Farm also offers a variety of discounts, including two telematics programs that reward you for safe driving. One program is specifically for drivers under the age of 25. Customer service reviews of State Farm are mixed, but the company had fewer complaints than expected with the National Association of Insurance Commissioners (NAIC) in 2020.

Pros

  • Cheaper insurance premiums

  • Usage-based insurance discounts

  • Superior financial strength ratings

Cons

  • Insurance sold through captive agents

  • Mixed customer service reviews on third-party rating sites

Amica vs. State Farm — Ratings

Rating FactorAmicaState Farm
FitchNRWD
A.M. BestA+A++
Moody’sNRWR
S&PNRAA
J.D. Power891872
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Does Amica provide better coverage than State Farm?

For most drivers, Amica will offer better coverage, but will be more expensive as a result.

The Best Car Insurance Companies in 2022

RankCompany NameAverage Monthly QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1Clearcover
Best Overall
$13597
2Nationwide
Best for Safe Drivers
$19989
3American Family
Best for Families with Teen Drivers
$23489
4Safeco
Best for Drivers with Poor Credit
$18686
5Farmers
Best for Rideshare Coverage
$23985
6Foremost
Best for Hassle-Free Claims
$15982
7Liberty Mutual
Best for Accident Forgiveness
$24182
8Mercury
Best for Face-to-Face Service
$23281
9Progressive
Best for Senior Drivers
$14780
10Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm and Amica are two of the best auto insurance companies you can choose for your car insurance needs, based on our analysis of a variety of data that showed the reputability of these companies. They’re well-rated for both financial strength and customer satisfaction. Depending on your coverage needs and budget, you may choose one over the other.

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Compare Amica vs. State Farm: Which Is Cheaper?

State Farm is cheaper than Amica for all types of drivers. Regardless of credit score, driving history, and age, motorists pay lower car insurance rates at State Farm on average. State Farm is also one of the cheapest insurers we reviewed, although average premiums were slightly cheaper at USAA and GEICO.

The Cheapest Car Insurance Companies in 2022

RankInsurance CompanyAverage Cost Per MonthICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1USH&C$44Not Rated
2Metromile$63Not Rated
3Direct Auto$64Not Rated
4Travelers$6580
5Kemper$71Not Rated
6Progressive$87Not Rated
7Mile Auto$9185
8National General$9358
9Clearcover$9497
10GAINSCO$94Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Amica was not one of the cheapest insurance companies based on average monthly cost. In fact, Amica premiums were more expensive than the industry average for all types of drivers. In some cases, Amica charged drivers more than four times the average premium that State Farm charged. For example, DUI drivers pay particularly high rates at Amica.

Compare Amica vs. State Farm Car Insurance by Age

Because they are a higher risk to insure, young drivers tend to pay the highest rates for insurance coverage. Teen drivers are more likely to be involved in an accident than any other age group, so it’s understandable why insurance companies would charge them the most. Drivers in their 50s tend to pay the lowest rates. Here’s what you can expect at each company.

AgeAmicaState Farm
Teen$407$116
20s$133$50
30s$141$46
40s$116$45
50s$107$43
60s$139$43
70s$154$49
80s$162$55
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

For every age group, State Farm charges less than Amica, but the difference is particularly significant for teen drivers.

Compare Amica vs. State Farm Car Insurance by Gender

Car insurance companies in most states consider gender when setting car insurance rates. That’s particularly true for teen males since research shows their vehicle accident death rate is more than twice the death rate for females.

Women tend to pay slightly less than men over the course of their lives for car insurance. Here’s what Amica and State Farm charge men and women on average.

Insurance CompanyAvg. Monthly Car Insurance Quote for MenAvg. Monthly Car Insurance Quote for Women
Amica$135$133
State Farm$54$50
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm offers cheaper rates to both men and women.

Which is cheapest for men?

GenderAmicaState FarmIndustry Average
Men$135$54$81

State Farm offers cheaper insurance premiums to men than Amica. State Farm also beats the industry average premium for men.

Which is cheapest for women?

GenderAmicaState FarmIndustry Average
Women$133$50$78

State Farm is cheaper than both Amica and the industry average premium for women.

Compare Amica vs. State Farm Car Insurance by Mileage

When calculating your car insurance rate, insurers consider your estimated mileage. This usually has very little impact on your rates, but low-mileage drivers tend to pay slightly less. Keep in mind that State Farm’s Drive Safe & Save program could save you more based on your actual mileage. Here’s what State Farm and Amica charged drivers based on their mileage.

Which is cheapest for drivers with high mileage?

Annual MileageAmicaState FarmIndustry Average
15,000-20,000$134$50$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm is cheaper than Amica and beats the industry average for high-mileage drivers.

Which is cheapest for drivers with low mileage?

Annual MileageAmicaState FarmIndustry Average
5,000$133$51$78
10,000$134$50$78

State Farm is cheaper for low-mileage drivers than both Amica and the industry average.

Compare Amica vs. State Farm Car Insurance by Credit Score

Most auto insurance providers use your credit-based insurance score when setting your rates due to a correlation between poor credit and high claims filing. Note that in some states, such as California, this practice is prohibited. But policyholders in most states can expect to pay more if they have bad credit. Here’s what each company charges on average based on credit tier.

Which is cheapest for good credit?

Credit TierAmicaState FarmIndustry Average
Excellent$112$34$60
Good$127$43$71
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm offers generous rates for drivers with excellent credit, beating Amica, the industry average, and each other company that we reviewed.

Which is cheapest for bad credit?

Credit TierAmicaState FarmIndustry Average
Poor$176$117$120
Average$133$51$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm is cheaper than Amica for drivers with both poor and average credit scores. However, drivers with poor credit may find cheaper rates from another company, such as GEICO or Allstate.

Compare Amica vs. State Farm Car Insurance by Driving Record

Your driving history has a big impact on how car insurance companies perceive your risk. If you have a speeding ticket or DUI on your record, you may pay higher rates than average. Keep in mind that you may be able to offset some of the cost with one of State Farm’s telematics programs.

Every insurer is going to evaluate your driving history differently, but here’s how each type of infraction impacts average rates at Amica and State Farm.

Which is cheapest for good drivers?

ViolationAmicaState FarmIndustry Average
Clean Record$133$51$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm is cheaper than both Amica and the industry average for drivers who don’t have any infractions on their driving records.

Which is cheapest after a speeding ticket?

ViolationAmicaState FarmIndustry Average
Speeding Ticket$220$59$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm is forgiving to drivers with speeding tickets, charging an average of only $59 per month. That beats Amica’s average monthly premium and the industry average.

Which is cheapest after an accident?

ViolationAmicaState FarmIndustry Average
At-Fault Accident$194$65$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

State Farm offers affordable rates to drivers who have caused crashes, beating both Amica and the industry average. In fact, of the companies we reviewed, only USAA offered cheaper rates.

Which is cheapest after a DUI?

ViolationAmicaState FarmIndustry Average
DUI$387$75$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

A DUI is an offense that requires your insurer to maintain an SR-22 on file with the DMV in most states. This significantly raises the cost of car insurance. Amica charges high rates to DUI drivers, while State Farm is relatively forgiving compared to other insurers.

Amica vs. State Farm Car Insurance: What discounts does each offer?

Note that local agents may be aware of additional discounts since offers vary by state.

DiscountAmicaState Farm
Multi-policy
Multi-car
Homeowner
Loyalty
Telematics
Accident-free
Good driver
Good student
Student away
Young driver training
Legacy
Defensive driver training
Anti-theft
Safety device
Autopay
Full pay
Paperless

Our Methodology and How We Compared Amica and State Farm

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions: Amica vs. State Farm

  • State Farm is cheaper than Amica on average. Drivers of all ages and genders, with all types of driving records and credit scores, paid cheaper monthly premiums at State Farm than at Amica. State Farm also beat the industry average premium and is one of the cheapest auto insurers we reviewed.

  • Both Amica and State Farm are excellent choices for your insurance needs. Amica has better customer service reviews, while State Farm has better financial strength ratings. This guide provides more detail about how these companies differ, but they essentially are tied for reputability. Choose a company that will be affordable and will provide the coverage you need.

  • This insurance review can help you identify the similarities and differences between the coverage options offered and the reputability of each company. But to compare car insurance from multiple companies at once, you should get a quote from Insurify. You’ll be able to adjust your coverage limits and deductible to get an affordable policy.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Lindsay Frankel
Written by
Lindsay Frankel

Insurance Writer

Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.